1St Ed Credit Union

Headquarters: Chambersburg, Pennsylvania
Charter: Credit Union
Assets: $138.2M
Fed district: Philadelphia

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 19, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
1St Ed Credit Union: $36
1St Ed Credit Union: $36
U.S. median: no median
Wire Transfer (Domestic Out)
1St Ed Credit Union: $25
1St Ed Credit Union: $25
U.S. median: no median
Wire Transfer (Int'l Out)
1St Ed Credit Union: $40
1St Ed Credit Union: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from 1St Ed Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Charge (Dormant Fee)$5
per month
Account Reconcilement (per 1/2 hour, minimum – $15)$15
Account Research$35
Paper Statements (per statement mailed)$3
Not compared: Charged per statement; comparison unavailable
per statement · *Paper Statements (per statement mailed) | $3.00
Invalid Address/Returned Mail (per month)$6
per month

Overdraft & NSF

Overdraft Item (non-sufficient funds or overdraft item paid)$36
Overdraft Transfer from Savings (Reg D may apply)$5
per item

ATM & Card

Replacement card$15
Rush Card$65

Wire Transfers

Outgoing Wires: Domestic$25
Outgoing Wires: Foreign$40
Incoming Wires: Domestic/Foreign$15

Check Services

Cashier’s Check$7
Money Orders: Per item$3
per item
Check copy (per item) (free via Online Banking)$2
per item

Account Services

Each notification (includes child support notices)$125
per item
Mortgage Subordination Agreement$250

Lending Fees

Late Charge (payments received after the 28th of the month)$25

Gift & Prepaid Cards

Gift Cards: Per card$3.95
per item

Other Fees

Additional Account Statement Printout$3
Photocopy of any document already provided$2
Skip-A-Payment (per loan/month skipped-certain rules do apply)$35
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Monthly Charge (Dormant Fee)	$5	per month	None
Account Reconcilement (per 1/2 hour, minimum – $15)	$15	Not stated	None
Account Research	$35	Not stated	None
Paper Statements (per statement mailed)	$3Not compared: Charged per statement; comparison unavailable	per statement	*Paper Statements (per statement mailed) \| $3.00
Invalid Address/Returned Mail (per month)	$6	per month	None
Overdraft & NSF
Overdraft Item (non-sufficient funds or overdraft item paid)	$36	Not stated	None
Overdraft Transfer from Savings (Reg D may apply)	$5	per item	None
ATM & Card
Replacement card	$15	Not stated	None
Rush Card	$65	Not stated	None
Wire Transfers
Outgoing Wires: Domestic	$25	Not stated	None
Outgoing Wires: Foreign	$40	Not stated	None
Incoming Wires: Domestic/Foreign	$15	Not stated	None
Check Services
Cashier’s Check	$7	Not stated	None
Money Orders: Per item	$3	per item	None
Check copy (per item) (free via Online Banking)	$2	per item	None
Account Services
Each notification (includes child support notices)	$125	per item	None
Mortgage Subordination Agreement	$250	Not stated	None
Lending Fees
Late Charge (payments received after the 28th of the month)	$25	Not stated	None
Gift & Prepaid Cards
Gift Cards: Per card	$3.95	per item	None
Other Fees
Additional Account Statement Printout	$3	Not stated	None
Photocopy of any document already provided	$2	Not stated	None
Skip-A-Payment (per loan/month skipped-certain rules do apply)	$35Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Oct 19, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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